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What Cards Does Afterpay Accept?

Afterpay's support for bank cards is a delicate one. Find out what cards and banks you can link to Afterpay without issues.
what cards does afterpay accept

If you're much into making flexible payments through Buy Now Pay Later (BNPL) services, there's a great chance you've come across or found convenience with using Afterpay for this purpose.

I really appreciate how they merge the convenience of traditional banking with BNPL technology, letting consumers pay in installments using their bank cards.

You'll need to link a supported card to your Afterpay account, of course. If you're looking for which cards Afterpay accepts, this guide will show you which ones will work.

What Cards Does Afterpay Accept?

Afterpay accepts most credit and debit cards issued by two of the main card networks, Mastercard and Visa. And they'll only accept the card if it was issued by your country of residence.

This simply means Afterpay will let you link a credit or debit card whose issuing country matches the country you specified in your Afterpay account.

How to Link a Card to Afterpay

If you have a card issued by any of the networks mentioned earlier (Mastercard and Visa), then it should be easy to add them to Afterpay provided the issuing country is supported by the BNPL giant.

To do so:

  1. Log into your Afterpay account and tap on "My Afterpay" in the bottom right of your screen.
  2. Scroll down and tap "Payment settings" under the "Account settings" section.
  3. Select "Add payment method".
  4. Enter your card information. If you like, you can also set the card as your preferred card for new purchases.
  5. Finally, tap "Save" and you're done!

Now that you've linked your card to Afterpay, you can start using it to repay your loan.

Does Afterpay Accept Discover?

No, Afterpay does not accept cards issued by Discover. They only accept Mastercard and Visa cards for the moment.

Why Doesn't Afterpay Accept Discover?

For now, I can't really tell why they don't accept Discover cards since they haven't mentioned it in any notes or press why they don't support these cards. But just know that they don't support these cards.

Why Won't Afterpay Not Accept My Credit Card?

Now, this isn't something new, especially following the way major banks are banning the use of their credit cards with BNPL services. Of course, one of the reasons that could cause Afterpay to decline your credit card is because your bank no longer supports the service. In this case, you'll have to inquire with your bank to see if they support the service.

Another possible reason is that you are trying to link a foreign credit card issued by an overseas bank. If you paid attention to what I mentioned earlier, you'll notice that I said that Afterpay will only accept a credit card that's from the same country as that on your account profile. This shouldn't be neglected because linking a credit card from a country different from yours won't work.

Also, Afterpay won't allow you to link a credit card from another BNPL service as stated on their official site. So if you were considering doing this, I'd highly discourage you with that.

Does Afterpay Accept Prepaid Cards?

Yes, Afterpay accepts prepaid cards, but the support they have for these cards isn't as extensive as that they have for credit and debit cards. You'll only be able to use a prepaid card for making one-time off payments, and you can't add this one as a payment method to your Afterpay account.

Using a prepaid card with Afterpay doesn't really make sense because you won't be able to leverage the main purpose of using Afterpay for payments, which is shop now and pay in a set of scheduled installments.

Does Afterpay Accept Capital One?

No, Afterpay no longer accepts Capital One credit cards, or should I say, that Capital One no longer supports services like Afterpay.

This is due to the huge decision they had to make in 2020, where they decided not to support BNPL services, which allow customers to link their credit cards to repay their loans.

Perhaps, they did this to protect both customers and themselves as well as most consumers have abused the use of credit cards, especially when it comes to repaying credit.

Does Afterpay Accept Chase?

No, Chase does not allow customers to link their credit cards to BNPL services like Afterpay since October 10, 2024, probably due to the same reason as Capital One, to prevent credit card abuse.

Does Afterpay Accept Go2bank?

No, Afterpay does not accept Go2bank.

Final Thoughts

Afterpay is rapidly growing as a preferred choice for those looking to leverage the convenience of BNPL service. It allows you to link credit cards and debit cards from two card networks (Mastercard and Visa) but not all cards are guaranteed to work with the service.

Thankfully, this guide compiles everything from the cards you should expect to work with the service to the reasons why your card can get declined so you won't miss anything out.

Also, when considering a BNPL service, it is also paramount to consider their support for the best method you have to repay your loan. So if Afterpay doesn't support your card, consider checking out other BNPL services like Klarna or Affirm that have better support for bank cards.

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About the Author

Hi everyone, I'm Tebid Kelly! Shopping is my passion, and I'm known for scoring the best deals and navigating the online shopping world with ease. With years of experience using various digital payment apps like Apple Pay, Google Pay, Cash A…

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